The six year start date is questionable. As previuously said it could be from 1st default, from repossession or from date of sale. With MIG payment, which is a simple debt as it is contract based, it is 6 years from the insurance payout.(posted 8229 days ago)As to the 'rolling' period. It is my understanding that whilst you do not accept the debt, i.e. in all letters say that you dispute it, then a new period cannot begin. If you have been contacted and admit liability then I beleive that a new period MAY beginbut I could be wrong. If as said before they can keep harrassing you forever as new 6 year periods begin just because they make contact then I cannot see any court NOT chucking out their case after 12, 18 24 etc years. There is such a thing as taking the pi**.